Motorhome GAP Insurance

What is Motorhome GAP Insurance?

With ALA Motorhome GAP insurance, whether you have an ACE or a WildAx or anything in between, we will protect you financially in the event your vehicle is declared a total loss.

Although motorhomes don’t tend to depreciate as quickly as most other vehicles, they are often more expensive to buy initially and even a small amount of depreciation on such a costly vehicle can mean that you are left out of pocket following a total loss.

Vehicle Replacement Plus will cover the difference between the insurer’s market value settlement and the replacement cost of another vehicle matching the original at the time of purchase. If the finance owing at the time of the claim is more than the cost of replacing the vehicle, we will pay up to that amount instead.

Do I need Motorhome GAP?

With Motorhome Vehicle Replacement, the answer to this is yes, if you want to:

Ensure you can replace your motorhome on a like-for-like basis, regardless of cost

Can I buy Motorhome GAP?

My vehicle is new, or under 10 years of age

I have a motorhome which has covered less than 80,000 miles (Vehicle Replacement + only)

Vehicles used in any sort of competitions or rallies. Vehicles used for racing, pace making, speed testing or in reliability trials; Vehicles not listed in Glass's Guide; kit cars; invalid carriages; commercial Vehicles of more than 3500kg gross weight. Any, taxi, mini cab, driving tuition vehicle, courier or delivery vehicle of any type or any private or public rental vehicle.

Motorhome GAP Insurance Features:

Available up to 5 years for vehicles owned outright or on finance

We are fully authorised and regulated by the Financial Conduct Authority (FCA) and your policy is covered by the Financial Services Compensation Scheme

Pays as standard up to £250 of your Comprehensive Insurance excess

Our policies do not have a ‘Market Value Clause’

Our policies do not a have a ‘Glass Guide maximum retail value clause’

Available for motorhomes up to 10 years old, delivered within the last 180 days, or 365 days (if insured under a comprehensive Motor Insurance Policy which includes ‘New for Old’ cover for the first 12 months)

Discount available for renewal and additional policies

We guarantee to match any comparable online GAP quote

Motorhome GAP Example:

Your purchase price:

£22,000

Replacement cost at time of claim:

£23,500

The amount owed to the finance company at the point of claim:

£25,000

Your comprehensive market value insurance payout:

£17,000

Our Vehicle Replacement Plus payout:

£8,000

Comprehensive Insurance payout + ALA GAP Insurance payout =

£25,000

(Leaving you clear of any owed finance on your vehicle)

Alternatively (without finance)...

Your purchase price:

£22,000

Replacement cost at time of claim:

£23,500

Your comprehensive market value insurance payout:

£17,000

Our Vehicle Replacement Plus payout:

£6,500

Comprehensive Insurance payout + ALA GAP Insurance payout =

£23,500

(Leaving you enough money to purchase a new vehicle matching the original)

Read more on why ALA GAP Insurance policies are better than the rest or click the green button to get a quote...